Required scores for credit card approval

[Austin]

The cards I want to get, when the time is right and chances of approval are high are:

Southwest Airlines

Lowe's Home Improvement

Costco - new VISA program that comes out spring of 2016

Questions:

Does anyone know what scores are required for any of the above cards? 

I know DTI is a factor, in addition to scores - my DTI is very low.  I'm keeping my credit card accounts (Barclays, Cap one) at 30% utilization, per request of credit repair company for best score building.

What other things can I work on to improve the chances of being approved?

Is it best to apply for a new card every now and then - spreading the applications out?

Or, is it best to apply for all of them at once, so the other inquiries won't show yet?

Any assistance is appreciated~!

Zippy

[Anonymous]

first off cut that 30% down by about 75%

for "optimal" scoring it's understood to have all cards paid to $0 and one card reporting 1%-9% of that cards credit line.

also the lowes card can handle lower scores (mid 600s) but if you want the other two i recommend over 700.

keep in mind you don't want the bare minimum score because your terms could suffer or be unfavorable.

[myjourney]

Before any card can be recommended 

Tell us about your profile for best results :

Scores? (FICO)

Baddies?

Other cards and limits?

AAoA?

[Anonymous]

they didn't ask for card recommendations. they already knew what they wanted

[myjourney]

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@Anonymous wrote:
they didn't ask for card recommendations. they already knew what they wanted

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So true but its far more about a complete profile than just scores alone .....So get the whole picture not 10% of it 

To maximize chances of approval 

I've seen people with no baddies approved with high 600's and seen some with 700+'s denied due to baddies 

[Anonymous]

credit pulls database?

[Anonymous]

I've been stalking Chase.

The Southwest Rapid Rewards is Chase, and all I can tell, is that my EX needs to clear 670, have an AAoA >1yr, and under 20% UTL.  No, I don't have it. This is the only intel I've gotten while I salivate at all the miles cards. Also, the Premier is harder to get, but seems that SouthWest RR is easier than United Mileage. IDK. I don't have it. Just...stalking my prey...

Of Course Chase pulls at rando...but... CreditStatus Database, Financial Globe.  Also, CreditPulls database. 

[Austin]

What does    AAoA >1y   mean?  A couple of replies mentioned AAoA - I'm new to the message board and don't understand the "shorthand" terms.

My FICO scores, as of 11/17 are:  Equifax 660,  Transunion 657, and as of 8/11, Experian was 611.  I'm currently on round 3 of protests, and I have a charge off/collection coming off very soon.  It's already off one of the bureaus, and will come off the other two bureaus very soon.

I do have 3-4 medical collections that are 1-2 years old.

[Anonymous]

AAoA means Average Age of Account